Bank of Rajasthan Gold Credit Card
CancelFree for life, one point per ₹100, and no published idea what a point was worth.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Nothing published — the bank advertised no joining gift on the Gold card, and the ₹200 activation bonus it did run was for the Corporate Card with Individual Liability only
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Bank of Rajasthan publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #976
Why #976 A lifetime-free Visa earning one reward point per ₹100, redeemable only against your own outstanding balance — and the bank never published what a point was worth. Carried for the record; Bank of Rajasthan was amalgamated into ICICI Bank in August 2010.
The take
Bank of Rajasthan's Gold card was the better half of a two-rung consumer ladder that cost nothing to hold. The charges schedule prints Nil in four separate fee rows against the Gold column — joining, annual, add-on joining, add-on annual — and the variants page opens with "Lifetime Free card without any charges." Against Silver, the only published difference is who could get it: ₹2,00,000 of gross income for Gold, ₹1,00,000 for Silver, or an average six-month balance of ₹1 lakh in a Bank of Rajasthan account instead of any income proof at all. The earn was one reward point per ₹100 on purchases, with cash advances, fees, reversals and disputed transactions excluded. The redemption was unusually plain for 2010 — points came off your outstanding balance or your renewal fee, not out of a catalogue — but it was also unusually manual: a minimum of 500 points before you could redeem anything, a paper Reward Redemption Form posted to the Credit Card Management Cell in Jaipur, roughly seven working days to process, and a one-year expiry on any point you didn't get around to. The rest was a bank card of its decade: up to 45 interest-free days, revolving credit at 2.95% a month (the bank's own APR, printed, is 41.75%), 3.5% on foreign currency with a ₹350 floor, and a free United India Insurance group cover the bank paid the premium on — credit shield, purchase protection, hospitalisation and baggage. No lounge, no transfer partner, no airline. In August 2010 the Reserve Bank approved the amalgamation into ICICI Bank; the pages went on serving the legacy book under the words "Erstwhile The Bank of Rajasthan Ltd." until the domain died.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Bank of Rajasthan publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — the charges schedule reads Nil in all four Gold fee rows, including both add-on rows
- One reward point per ₹100 spent, redeemable against your own outstanding balance or your renewal fee
- Up to 45 interest-free days
- A free group insurance cover from United India Insurance — credit shield, purchase protection, hospitalisation expenses and baggage — with the bank paying the premium
- Free SMS alerts, free e-mail alerts and free physical statements at the primary cardholder's address
- Existing Bank of Rajasthan customers holding an average six-month balance of ₹1 lakh could skip the income proof entirely
Watch out
- WITHDRAWN — the Reserve Bank approved Bank of Rajasthan's amalgamation into ICICI Bank in August 2010 and the brand is gone
- THE POINT HAS NO PUBLISHED VALUE: the bank printed the accrual rate and the redemption mechanics but never a rupee-per-point conversion, and reserved the right to change the rate it never printed
- 500 reward points minimum before you could redeem, a posted paper form to do it, and any point unredeemed for a year simply lapsed
- Close the card voluntarily and every accumulated point lapsed on the spot
- Revolving credit ran 2.95% a month — the bank prints the APR itself as 41.75%
- Foreign currency transactions cost 3.5% with a ₹350 minimum, plus interest — no better than the Indian norm
- Late payment was 30% of the minimum amount due, floored at ₹300 and capped at ₹600
What these points actually fly
Bank of Rajasthan has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Bank of Rajasthan ceased to exist as a licensed bank when it was amalgamated into ICICI Bank in August 2010; the legacy card book was run out of a Credit Card Management Cell in Jaipur under ICICI and was not reopened to new applicants.
Bank of Rajasthan publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Bank of Rajasthan's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 6 of them, each with the day we read it
- official Bank of Rajasthan's Credit Card Variants & Features page (archived 19-Nov-2010) — the four-variant shelf, the lifetime-free claim and the one-point-per-₹100 accrual
- official The last Credit Card Charges schedule Bank of Rajasthan published (archived 17-Sep-2010) — Nil across every Gold fee row, 2.95% a month revolving and 3.5% on foreign currency
- official Bank of Rajasthan's credit-card Eligibility Criteria (archived 29-Dec-2009) — the ₹2,00,000 income floor that separates Gold from Silver, and the balance route around it
- official The Reward Points Redemption Program page (archived 19-Nov-2010) — the 500-point floor, the posted paper form and the one-year expiry, with no conversion rate anywhere
- official The Credit Card Group Insurance Cover page (archived 19-Nov-2010) — the free United India Insurance cover the bank paid the premium on
- official Reserve Bank of India press release 2010-2011/232, 12 August 2010 — the sanctioned amalgamation of Bank of Rajasthan Ltd. into ICICI Bank Ltd., the reason this card cannot be applied for